Unfortunately, when we are youngish and by and large healthy, it is hard for most of us to focus on planning for a time when that may not be the case and fail to make a provision for critical illness cover in our regular expenses. Providing monetary peace of mind for your close family by taking out critical illness insurance, for a mere few bucks each week should something occur to you, does not to seem as important to most of us as having that additional, luxury cup of coffee every day during luncheon.